{
  "snapshot_at": "2026-11-13T01:22:54Z",
  "brand": "Qantas Money Basic/Offset Home Loans",
  "brand_slug": "qantas-money-basic-offset-home-loans",
  "product_id": "40a80249-5ea9-402d-9d43-218a7fd62546",
  "cdr_url": "https://api.qantas.app.bendigobank.com.au/cds-au/v1/banking/products/40a80249-5ea9-402d-9d43-218a7fd62546",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://api.qantas.app.bendigobank.com.au/cds-au/v1/banking/products/40a80249-5ea9-402d-9d43-218a7fd62546'",
  "note": "Verbatim `data` object of the bank's CDR product detail response, as fetched. The live endpoint needs the x-v header shown in how_to_fetch and will not open in a browser.",
  "data": {
    "productId": "40a80249-5ea9-402d-9d43-218a7fd62546",
    "effectiveFrom": "2025-05-25T14:31:00Z",
    "lastUpdated": "2026-11-13T11:52:15+11:00",
    "productCategory": "RESIDENTIAL_MORTGAGES",
    "name": "QANTAS Money Basic Home Loan",
    "description": "For customers looking for a simple, no frills home loan with low upfront fees and no ongoing fees (MSF). ",
    "brand": "QANTAS",
    "brandName": "Qantas Money",
    "isTailored": false,
    "additionalInformation": {
      "overviewUri": "https://www.qantasmoney.com/home-loans",
      "termsUri": "https://www.bendigobank.com.au/partner/qantas-money-home-loans/disclosure-documents/",
      "eligibilityUri": "https://www.qantasmoney.com/terms-and-forms/tmd",
      "feesAndPricingUri": "https://www.qantasmoney.com/home-loans"
    },
    "features": [
      {
        "featureType": "REDRAW",
        "additionalInfo": "Manual & Online redraw available "
      },
      {
        "featureType": "OTHER",
        "additionalInfo": "Monthly repayments only"
      },
      {
        "featureType": "EXTRA_REPAYMENTS",
        "additionalInfo": "Unlimited additional repayments if variable, Max $20,000 per fixed term year without penalty.  "
      },
      {
        "featureType": "BONUS_REWARDS",
        "additionalValue": "100000",
        "additionalInfo": "Qantas Frequent Flyer members will earn 100,000 Qantas Points upon settlement of their Qantas Money Home Loan. Members will earn the annual bonus of 100,000 Qantas Points three months after the settlement anniversary of their Qantas Money Home Loan for up to 30 years. Both upfront and ongoing points will be credited to the member’s Qantas Frequent Flyer account within 8 weeks of the Qantas Points being earned, provided the loan is in compliance with the Qantas Money Home Loans Points Eligibility Policy, not in arrears or default and the loan is not the subject of hardship relief or assistance. For joint applicants, the Qantas Points by default will be awarded to the primary applicant annually unless the primary applicant opts to either split the points between the secondary and primary applicants or award the points in full to the secondary applicant. Limits apply. A member may only take out a loan and earn Qantas Points for up to a maximum of one owner occupied property and five investment properties (depending on individual circumstances). Please contact us if you wish to apply for loans for six properties"
      }
    ],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalValue": "300000.00"
      },
      {
        "constraintType": "MAX_LVR",
        "additionalValue": "0.8"
      }
    ],
    "eligibility": [
      {
        "eligibilityType": "MIN_AGE",
        "additionalValue": "18"
      },
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "Credit and Lending Criteria, Fees and Charges Apply"
      }
    ],
    "fees": [
      {
        "name": "Establishment Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "150.00"
        }
      },
      {
        "name": "Application Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "345.00"
        }
      },
      {
        "name": "Security Processing Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        }
      },
      {
        "name": "Settlement Service Fee",
        "feeType": "UPFRONT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "345.40"
        }
      },
      {
        "name": "Monthly Service Fee",
        "feeType": "PERIODIC",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalValue": "P1M",
        "additionalInfo": "This fee is charged to cover the regular administration and servicing required for your loan\n"
      },
      {
        "name": "Bank Cheque Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "10.00"
        }
      },
      {
        "name": "Online Redraw Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalInfo": "Charged when completing a redraw online"
      },
      {
        "name": "Manual Redraw Fee ",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "0.00"
        },
        "additionalInfo": "Payable each time we agree to a redraw request you make otherwise than through Bendigo e-banking"
      },
      {
        "name": "Duplicate Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "16.50"
        }
      },
      {
        "name": "Default Fee",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "35.00"
        }
      },
      {
        "name": "Variation Fee ",
        "feeType": "EVENT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "250.00"
        }
      },
      {
        "name": "Discharge Administration Fee",
        "feeType": "EXIT",
        "feeMethodUType": "fixedAmount",
        "fixedAmount": {
          "amount": "350.00"
        }
      },
      {
        "name": "Break Cost Fee",
        "feeType": "OTHER",
        "feeMethodUType": "variable",
        "variable": {
          "feeMinimum": "0.00"
        },
        "additionalInfo": "Payable each time any of the following Break Events occur during a Fixed Rate Period: \n• at your request, we agree to change the Annual Percentage Rate under your Contract; \n• you repay your Loan Account balance in full; or \n• you make an additional repayment (by repaying more than your required repayments \nunder your Contract) where the total of all additional repayments you have made \nsince the start of the Fixed Rate Period or, if later, the anniversary of that date, that \nexceeds $20,000.00. "
      }
    ],
    "lendingRates": [
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0653",
        "comparisonRate": "0.066",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.5",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 50% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0658",
        "comparisonRate": "0.0665",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.5001",
            "maximumValue": "0.6",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 50% to 60% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0658",
        "comparisonRate": "0.0665",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6001",
            "maximumValue": "0.7",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 60% to 70% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0663",
        "comparisonRate": "0.067",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7001",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 70% to 80% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0654",
        "comparisonRate": "0.0669",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P1Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0654",
        "comparisonRate": "0.0668",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P2Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0664",
        "comparisonRate": "0.067",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P3Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0674",
        "comparisonRate": "0.0674",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P4Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0674",
        "comparisonRate": "0.0675",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P5Y"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0759",
        "comparisonRate": "0.0706",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.5",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 50% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0764",
        "comparisonRate": "0.0711",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.5001",
            "maximumValue": "0.6",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 50% to 60% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0774",
        "comparisonRate": "0.0715",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6001",
            "maximumValue": "0.7",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 60% to 70% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0779",
        "comparisonRate": "0.072",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7001",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 70% to 80% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0704",
        "comparisonRate": "0.0674",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P1Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0704",
        "comparisonRate": "0.0678",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P2Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0714",
        "comparisonRate": "0.0684",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P3Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0724",
        "comparisonRate": "0.0692",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P4Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0724",
        "comparisonRate": "0.0696",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "OWNER_OCCUPIED",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P5Y"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0664",
        "comparisonRate": "0.0671",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.5",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 50% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0669",
        "comparisonRate": "0.0676",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.5001",
            "maximumValue": "0.6",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 50% to 60% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0674",
        "comparisonRate": "0.0681",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6001",
            "maximumValue": "0.7",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 60% to 70% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0679",
        "comparisonRate": "0.0686",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7001",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 70% to 80% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0669",
        "comparisonRate": "0.0685",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P1Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0669",
        "comparisonRate": "0.0684",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P2Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0679",
        "comparisonRate": "0.0686",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P3Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0689",
        "comparisonRate": "0.0689",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P4Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0689",
        "comparisonRate": "0.069",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "PRINCIPAL_AND_INTEREST",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P5Y"
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0679",
        "comparisonRate": "0.0677",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.5",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 50% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0684",
        "comparisonRate": "0.0682",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.5001",
            "maximumValue": "0.6",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 50% to 60% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0689",
        "comparisonRate": "0.0687",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.6001",
            "maximumValue": "0.7",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 60% to 70% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "VARIABLE",
        "rate": "0.0694",
        "comparisonRate": "0.0692",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0.7001",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing over 70% to 80% of the property value"
          }
        ]
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0679",
        "comparisonRate": "0.0686",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P1Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0679",
        "comparisonRate": "0.0685",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P2Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0689",
        "comparisonRate": "0.0688",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P3Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0699",
        "comparisonRate": "0.0693",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P4Y"
      },
      {
        "lendingRateType": "FIXED",
        "rate": "0.0699",
        "comparisonRate": "0.0694",
        "calculationFrequency": "P1D",
        "applicationType": "PERIODIC",
        "applicationFrequency": "P1M",
        "interestPaymentDue": "IN_ARREARS",
        "repaymentType": "INTEREST_ONLY",
        "loanPurpose": "INVESTMENT",
        "tiers": [
          {
            "name": "LVR",
            "unitOfMeasure": "PERCENT",
            "minimumValue": "0",
            "maximumValue": "0.8",
            "rateApplicationMethod": "WHOLE_BALANCE",
            "additionalInfo": "Borrowing up to 80% of the property value"
          }
        ],
        "additionalValue": "P5Y"
      }
    ]
  }
}